ZIP Code 64661 — Mercer town, MO Demographics & Data

ZIP code 64661 covers Mercer, MO in Mercer County with a population of about 762.

At a glance, the area shows median age of 44.3 versus a U.S. median of about 38.9.

It sits in telephone area code 660; U.S. House district MO-6; the KANSAS CITY media market.

Median household income in ZIP 64661 is about $53,929 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 3.1%; 18.0% of adults with a bachelor’s degree or higher (about 15.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Retail trade; about 9.8% of workers reporting work-from-home (about 5.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $80,000 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $390 (about 66% below the U.S. median rent ($1,163)), and owner-occupancy near 71.5% (about 6.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 64661 in Mercer, MO, a household would need roughly $22,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $514. That sits below the local median household income ($53,929), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Mercer town, MO as Very Low (composite score 12.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (48.3) and flood (17.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Mercer town, MO show little to no average snow and around 38.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 64661 (Mercer town, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.